GIRISHWAR VADIVEL
Unico Housing Finance Private Limited Company
Chennai
9
years of professional experience
1
Certification
The prudent credit risk analyst officer successfully implements the framework by identifying, assessing, and managing credit and investment transactions to safeguard assets and minimize potential losses. Through knowledge of structured financial products,risk pricing, and equity investments. Proven skills and experience in credit risk assessment, with an emphasis on areas in developing economies. A hardworking credit risk officer is well-versed in reviewing financial documents,preparing loan packages, and making recommendations based on risk values. Detail-oriented and thorough, with excellent judgement and good verbal and written communication strength.
Work History
Branch Credit Risk Manager
2 Years 2 Months- Improved credit policies by conducting comprehensive risk assessments.
- Analyzed financial data for identifying potential credit risks.
- Enhanced decision-making with detailed reports on credit risk exposures.
- Developed strategies to mitigate risk, ensuring compliance with regulations.
- Reduced financial risk by optimizing credit evaluation processes.
- Conducted training sessions to educate staff on credit risk management.
- Recommended credit limits by analyzing client financial histories.
credit risk Analyst officer
8 Months- Reviewed and verified income, Credit reports, and employment histories for each borrower
- Adhered to banking standards and government lending guidelines for loan services
- Reviewed Credit risk and reward strategies and provided recommendations to optimize risk-return characteristics
- Collaborated with the credit manager to create and deliver presentations for senior management
- Performed semi-annual account credit limit reviews and credit increase review requests from financial services and sales teams
- Interacted with credit and front office colleagues to review credit reports.
territory sales manager
1 Year 3 Months- Identified new business opportunities and built relationships with key customers
- Analyzed sales data, identified trends, and developed action plans for improvement
- Managed multiple accounts simultaneously while ensuring customer satisfaction goals were met or exceeded.
wharehouse supervisor
4 Years- Supervised team members engaged in receiving, stocking, shipping activities
- Guided loading and unloading of goods, maintaining safety standards at all times
- Directed daily activities and workload for warehouse team to achieve output goal requirements
- Managed and directed daily activities of production and operations.
Education
MBA shipping and logistics
MFT FOREGIN TRADE in LOGISTICS
Intermediate
10th
Skills
Financial Statement Review
Credit Data Assessments
Credit Checks
Banking Regulations
Credit Reviews
Loan Reviews
Risk mitigation
Decision making
Credit scoring
Risk identification
Credit evaluation
Credit approval process
Creditworthiness assessment
Loan underwriting
Collateral valuation
Certification
- CHENNAI PORT TRUST
- VENKATESWARA PACKAGING
- CERTIFIED MORTGAGE PROFESSIONAL
Additional Information - Achievements
- On the sports award at state level in RELAY
- On the sports award in state level in VOLLEY BALL
Languages
English
First Language
tamil
B1
Intermediate
Telugu
B1
Intermediate
kannada
B1
Intermediate
Timeline
Branch Credit Risk Manager
Unico Housing Finance Private Limited Company
08.2024 - CurrentRead More
credit risk Analyst officer
Optimo loan
07.2023 - 03.2024Read More
territory sales manager
Asiya crystal commadity llp
04.2022 - 07.2023Read More
wharehouse supervisor
sspt logistics
01.2016 - 01.2020Read More
AMET UNIVERSITY
MBA shipping and logistics
Read More
AMET UNIVERSITY
MFT FOREGIN TRADE in LOGISTICS
Read More
YMCA matriculation higher secondary school
Intermediate
Read More
YMCA matriculation higher secondary school
10th
Read More